Pepper MoneyFRA:X95 -1.19%46 ROE % is 14.02% as of Dec. 2025, which is 3% above its 10-year median of 13.61. GuruFocus rates FRA:X95 with a GF Score™ of 46/100 and a GF Value™ of €0.76. The stock has 2 warning signs investors should review. Among 529 Credit Services companies, Pepper Money ranks better than 73.91% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Pepper Money's annualized net income for the quarter that ended in Dec. 2025 was €65.4 Mil. Pepper Money's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was €466.1 Mil. Therefore, Pepper Money's annualized ROE % for the quarter that ended in Dec. 2025 was 14.02%.
The historical rank and industry rank for Pepper Money's ROE % or its related term are showing as below:
FRA:X95'
s ROE % Range Over the Past 10 Years
Min: 11.75 Med: 13.61 Max: 55.12
Current: 12.54
During the past 6 years, Pepper Money's highest ROE % was 55.12%. The lowest was 11.75%. And the median was 13.61%.
FRA:X95's ROE % is ranked better than 73.91% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs FRA:X95: 12.54
Pepper Money (FRA:X95) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Pepper Money ROE % Related Terms
Pepper Money ROE % Historical Data
* Premium members only.
The historical data trend for Pepper Money's ROE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Pepper Money's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pepper Money ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's ROE % distribution charts can be found below:
* The bar in red indicates where Pepper Money's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Pepper Money (FRA:X95) has a ROE % of 14.02% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Pepper Money and its competitors. This is near median its historical median of 13.61. Over the past decade, Pepper Money's ROE % has ranged from 11.75 to 55.12. According to the industry distribution chart, Pepper Money ranks #138 out of 529 companies in the Credit Services industry, placing it in the top 26.1%.
Is Pepper Money's ROE % too high?
Pepper Money's current ROE % of 14.02% is near median its 10-year median of 13.61. Over the past 10 years, this metric has ranged from a low of 11.75 to a high of 55.12. The Credit Services industry median ROE % is 6.61. Pepper Money's value of 14.02% is 112.1% above this industry median. Based on the distribution chart, Pepper Money ranks #138 out of 529 companies in the Credit Services industry, which is above the industry midpoint. Overall, Pepper Money has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does Pepper Money's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #138 out of 529 companies for ROE %. This puts Pepper Money in the upper half of its industry. The industry median ROE % is 6.61. Pepper Money's value of 14.02% is 112.1% above this benchmark. Historically, Pepper Money's own ROE % has ranged from 11.75 to 55.12 over the past decade. While the company's 10-year median is 13.61 vs. the industry median of 6.61, Pepper Money has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pepper Money's current ROE % of 14.02% is 112.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current ROE % is 14.02%, which is near median its own 10-year median of 13.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pepper Money stock overvalued right now?
Pepper Money (FRA:X95) has a current ROE % of 14.02%. The stock's GF Value™ is €0.76, compared to a current price of €0.83 — trading 9.2% above its estimated fair value. The current ROE % is 14.02%, which is near median its 10-year median of 13.61 and 112.1% above the Credit Services industry median of 6.61. Pepper Money's overall GF Score™ is 46/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current ROE % is 14.02% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Pepper Money (FRA:X95) Overvalued in 2026?
Based on GuruFocus' analysis, Pepper Money stock appears to be overvalued.
The current stock price of €0.83 is trading 9.2% above its estimated GF Value™ of €0.76.
Key valuation signals for FRA:X95:
ROE %: 14.02% (near median its 10-year median of 13.61)
GF Value™: €0.76 vs. price of €0.83 (9.2% above fair value)
Industry Position: 112.1% above the Credit Services median (#138 of 529)
No single metric tells the full story. See the FRA:X95 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pepper Money Ltd provides a variety of home loan solutions. The company also provides car loans, personal loans, loans for equipment, asset finance, commercial loans, and others. The company operates in three reportable segments Mortgage, Asset Finance, and Loan and Other Servicing. The maximum revenue is derived from the Asset finance segment. The Asset finance segment includes financing a range of asset types for consumer and commercial customers.
46GF Score
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